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Cigna

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232 User Reviews

7.7

Overall Score

LAST UPDATED: September 16th, 2021

Though its origins go back to 1792, Cigna was officially founded in 1982 when two companies merged. Since then, the insurance provider has grown worldwide, serving millions of customers in multiple countries.

Consumers considering health insurance companies need to understand the offered health benefit plans, what each policy covers and what it costs.

Is Cigna good?

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Customer Review: AGenes from Eagle Mountain, Utah

"Had insurance through them! I have no complaints. Their coverage was great and decently priced. Love them!"

Cigna has many health benefit plans to choose from. Cigna global health plans are available to independent buyers and businesses whose employees travel or work internationally. Typical health plans offer coverage domestically, so you'll need to get an international health plan if you want coverage abroad.

Positive Cigna reviews on Best Company talk about satisfaction with coverage, claims processing, and doctor networks.

Reviewers that gave Cigna a poor rating had difficulty resolving issues, getting pre-authorization, and getting claims paid. These are common concerns across the industry. Both positive and negative customer experiences are helpful to understand when enrolling in a health plan.

Read Cigna Reviews

In the United States, Cigna offers a wide selection of health insurance plans and several unique qualities. Cigna offers Medicare plans and HSA-compatible plans. It also provides dental and vision insurance plans.

Cigna also has good member resources for patients. If Cigna health insurance is available in your area and you find a quality, affordable plan, it is a good choice.

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The Good

  • Positive Customer Reviews
  • Types of Plans Offered
  • Dental and Vision Coverage
  • Group Plans
  • Supplemental Insurance
  • Member Resources and Perks
  • Helpful Tools
  • Customer Service

Positive Customer Reviews

Best Company has received a good number of positive Cigna health insurance reviews. Reviewers most commonly mention customer service. Claims and coverage are also mentioned in some positive reviews.

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Customer Review: Matthew J. Collin from Stephenville, Texas

"I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them."

Types of Plans Offered

First of all, it's important to note that Cigna is a worldwide company, with customers in 30 countries around the world. No matter what kind of coverage or insurance plan a consumer is looking for, Cigna will probably have a good option available.

Cigna offers a wide selection of insurance policies, including:

  • Medicare (Medicare Advantage plans and Part D)
  • Medigap (Medicare supplement insurance)
  • Health Savings Account (HSA) Compatible Plans (typically high deductible plans)
  • Health Reimbursement Account (HRA) Compatible Plans
  • Health Maintenance Organization Network Plans (HMO)
  • Preferred Provider Organization Network Plans (PPO)
  • International Health Plans

When you enroll in Medicare, you can purchase a Medicare Advantage plan or enroll in Original Medicare (Part A and Part B). Medicare Advantage plans cover the same medical care services that Original Medicare does but are managed by a private insurance carrier instead of the federal government.

If you enroll in Original Medicare, you can purchase a Medigap plan to control your out-of-pocket expenses and a prescription drug plan to cover your medications. Cigna Medicare options can vary by area, so work with the company to learn more.

Cigna health care insurance options also include indemnity plans and international plans. The one type of health plan that Cigna is unclear about providing is short-term insurance (except for short-term disability insurance).

Like other multi-state insurance companies, the availability of specific plans varies by state.

Covered services tend to be pretty similar across traditional plans, like a Cigna PPO and a Cigna HMO. However coverage levels, networks, and cost-sharing rules differ. For example, a PPO network offers more options for choosing doctors. It offers coverage and discounted rates for in- and out-of-network providers.

Additionally, some plans require prior authorization for some health care services before the insurance kicks in to help cover the health care costs. The insurance premiums also vary based on the number of people on the plan and demographic information, like age.

Most of Cigna's individual and family plans include access to telehealth providers so members can quickly get medical advice or be seen by a doctor remotely in non-emergency situations. Many plans include this as a complimentary service, though some do not.

If you're looking for an international health plan, you can purchase one from Cigna. These plans typically cover mental health, cancer treatment, and more. You can also customize these plans to meet your needs.

Dental and Vision Coverage

Cigna also offers individual and family dental and vision coverage as well. There are three types of dental plans to choose from, each of which covers a certain percentage of preventive services, restorative, and major dental work. A Cigna dental care plan is available to individuals and families. However, the terms and costs vary depending on the number of people insured.

  • Cigna Dental Preventive — This plan has no annual maximum and no deductible! As long as your dental work is completed by an in-network dentist, Cigna is responsible only for the costs of preventative work.
  • Cigna Dental 1000 — With this plan, your deductible is either $50 for an individual or $150 for a family. After that, Cigna pays a maximum of $1,000 every year for restorative dental expenses!
  • Cigna Dental 1500 — Deductibles with this plan are the same as the Dental 1000. The difference is that after that deductible, Cigna covers a maximum of $1,500 per year for restorative work. This plan also includes coverage for orthodontia.

While it is difficult to tell whether or not Cigna offers vision insurance that individuals can purchase independently, Cigna does offer plans that employers can offer employees. For more information, you'll need to work with Cigna directly.

Group Plans

Cigna insurance is also available to employers who provide health insurance and other benefits to their employees.

Cigna has a wide range of health plan offerings available to groups with different network structures. This variety makes it easier to find a health plan that works best for your group.

If you need to purchase international health coverage for members of your organization, Cigna also offers a good selection of plans. Its offerings are primarily for groups based in the United States and Canada. You can also find international health plans designed to cover short-term needs, which are ideal for business trips.

Cigna stands out for its international health insurance offerings because it offers plans designed for intergovernmental organizations (IGOs), nongovernmental organizations (NGOs), government employees, overseas students, and healthcare travelers.

Supplemental Insurance

Cigna also offers insurance policies for specific conditions, including heart attack, stroke, and cancer. You can also purchase whole life insurance through Cigna. 

Member Resources and Perks

Right away, it's easy to see how Cigna allows you to find an in-network provider, look up coverage, and perform all other basic tasks you need to as a member.

The Cigna website is fairly easy to navigate. Before becoming a member, you can tour the patient portal that Cigna has created for all members. This gets you acquainted with the website and allows you to see what resources you would have as a member.

You can also view the health benefits, coverage, and costs (copayment, deductible, coinsurance, out-of-pocket expenses, etc.) for plans and get a quote of monthly premiums for the plan you're interested in buying. And if you're interested in international insurance, you can get a quote for that too.

If you decide to register with Cigna, your resources expand even more. You're able to, of course, log into your patient portal and view your personal account information. Just as important, you can check a claim's status, acquire an ID card, find the form you need to download, look up your benefits, and find a doctor that works within Cigna's network (if you haven't already verified this).

Members benefit from a dedicated member customer service line as well, and through what Cigna calls the Health Information Line, members can contact the company 24/7. It's important to note, too, that Cigna provides more than explanations about benefits and forms. They also have sections with information about health care in general, including the changing laws, like the Affordable Care Act, that affect the industry.

Cigna also offers programs to support the health and well-being of its members. The Cigna Healthy Rewards® program offers discounts to members for fitness clubs, nutrition programs, alternative medicine, and more.

Helpful Tools

Cigna is more than one company. It has several subsidiaries that either focus on certain kinds of insurance or serve specific areas.

Cigna offers a good provider network, which makes it easy to find an in-network care provider. Aside from providing a fairly large network, Cigna gives members perks like a home delivery pharmacy and discounts on healthy products. These discounts come through the Cigna Healthy Rewards® program.

Cigna also gives members education about health care. Should your doctor suggest that you need an MRI, a PET scan, or a CT scan, you would benefit from the Informed Choice Program. Through this, Cigna informs you about facilities that would charge you the least amount of money for one of these procedures.

Finally, Cigna offers several apps. For example you can review your account balance, check a claim's status, find doctors and hospitals, and perform other member tasks with the myCigna app.

Customer Service

With millions of customers around the globe, customer service is important to Cigna. Cigna promises live customer service that is available 24 hours a day, 7 days a week, 365 days of the year. You can contact Cigna via mail, or phone. The mobile apps make communication much more convenient and transparent too. Cigna's company website is intuitive to use overall.

Cigna's contact page lists several phone numbers, but many of these have specific business hours attached to them. That being said, it's great that Cigna can provide 24/7 customer service, but it would do well to make these means easier to find for both members and potential customers.

Overall, it's clear from the company website that Cigna wants its customers to feel informed and to get the best prices. To help customers with this, Cigna offers convenient tools to look up benefits, acquire discounts, and of course search through available health plans.

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The Bad

  • Negative Customer Reviews
  • No Domestic Short-Term Health Insurance

Negative Customer Reviews

Unfortunately, Cigna has received a high percentage of negative reviews. High percentages of negative customer reviews is common with health insurance. However, some competitors have lower percentages of negative customer reviews.

The most common issues mentioned in reviews are issues having services covered, claims payments, and working through issues with customer service. Keep these reviews in mind as you determine whether or not to buy a plan from Cigna.

No Short-Term Insurance

Aside from short-term disability insurance and short-term international insurance, there's no clear mention of Cigna providing short-term health insurance (one health plan that other competitors do provide). These plans are designed to cover basic health services and have more exclusions than Marketplace health plans. They are designed to provide short-term coverage while you wait for a more standard health plan to start. If you're interested in a short-term health plan, you may need to find another insurer.

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The Bottom Line

An insurance plan provides discounts and cost-sharing for medical treatment and care, which can significantly reduce medical expenses.  Review a plan's premium, out-of-pocket expenses, and coverage to determine whether it will be a good fit. Out-of-pocket expenses include copays, the coinsurance percentage, the annual deductible, and annual out-of-pocket max.

Although some Cigna insurance reviews illustrate difficulties with claims, pre-authorization, and resolving issues, these concerns are not unique to Cigna. Those considering Cigna should be aware of these problems, but they may find similar issues with other insurers. 

Overall, Cigna offers a range of health plans and member perks that make it easy to find a plan to meet your needs.

Cigna offers plans that are compatible with HSAs and HRAs. Cigna has HMO and PPO plans, Medicare, and Medigap.

Cigna's network is large, although a customer's access to it depends on the kind of health plan they have. Cost-sharing rules for health care costs also vary based on the benefit plan chosen. Customers can also purchase vision and dental insurance from Cigna.

While it would be nice to have clearer information about their contact points and types of insurance Cigna doesn't offer, it's website still has plenty of resources to help members and potential members be more informed.

The coverage you do get through Cigna will depend on several factors, including your location, health situation, and the amount you want to pay for your monthly premiums. Cigna has search engines that are easy to navigate to discover plan options that are available to you.

Individuals who choose a health insurance plan from Cigna, have access to Cigna's member resources and services. Cigna makes it easy to find a primary care physician, specialized doctors, and other health care professionals. The insurance company also makes it easy to view the claims process and see the explanation of benefits.

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232 Reviews

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3 grade

9%

2 grade

6%

1 grade

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Anne Sainsbury Salt Lake City, UT

I had cigna coverage for a few years and had a fairly good experience. One of the difficulties I ran into was having claims mixed up every so often. My saving grace was the customer service. I called many times to make sure that claims were handled appropriately and we were always able to identify the right solution for the coverage that was seemed appropriate.

2 months ago

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Sydney Charleston South Jordan, UT

Cigna was a great company! We used them for vision and health insurance. They covered so many costs that would've otherwise left us out of money.

1 week ago

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KS Orem, UT

We love Cigna and their website is so easy to use! Their customer service is always great to work with and the online chat service is nice to have.

2 months ago

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Gary Kissimmee, FL

I have been with Cigna for 3 years now and I will never go anywhere else. There customer service and claims payout are 2nd to none. I have been able to see specialist without waiting to get a stupid referral from my doctor. My agent has made using this plan very easy to use and understand. For anyone complaining about Cigna maybe you need a better agent, the coverage Cigna provides is incredible and your agent should be there to help you whenever you need it.

2 years ago

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Vicki H. Poolesville, MD

I used Cigna as a dependent on my husband's company insurance. Cigna was accepted by all of our doctors at that time and I never had any issues in paying any medical bills covered by the policy.

6 months ago

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Terri wills Frederick, MD

Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!

1 year ago

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Kenneth Bouldin

Cigna has been very proactive in providing top notch customer service and prompt health care, and quick to follow up when I have medical emergencies to make sure that my needs were met and if any follow up care was needed. They also provide yearly checkups, and routine medication checks when new prescriptions are given.

3 years ago

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Amy Stewart Gilbert, AZ

We had Cigna Health Insurance! When my children were young we had Cigna insurance that was offered to us through my husbands company and we loved it! My pediatrician accepted Cigna and they were very helpful in covering all of our needs. I enjoyed not having to worry about visits being covered.

3 years ago

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Rhonda Earhart , VA

I had a CIGNA health insurance policy via the Affordable Care Act when I was self-employed. Their coverage was phenomenal! Their website was easy to navigate. My employer offers coverage from a different company; however, if I ever needed to purchase health insurance on the market, I would choose CIGNA again.

9 months ago

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Rickey Lehi, UT

Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.

1 year ago

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Krystal Taylor Pleasant Grove, UT

My family was covered by Cigna for 10 years, and we are extremely grateful for them. My mother who was diagnosed with cancer during this period, was able to receive treatment that saved her life, and not become financially ruined in the process. I had to make several arrangements prior to leaving the country for an extended period of time, and my interactions with their customer service phone representatives were awesome. They were knowledgeable, helpful, efficient and kind

2 years ago

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Ladyjojo

I had Cigna before working with a different company. Customer service is great where when you call in, you can always get someone to explain to you about your benefits and what's covered and how much your co-pay should be.

1 year ago

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Karen DeMann ,

I have had Cigna for a few years. We have a high deductible plan, I need to meet before coverage. I met my deductible last year, and the coverage after was very nice. I like the coverages before for physicals and check-ups. I think its good insurance.

1 year ago

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take7 Sandy, UT

Our Cigna we can take almost everywhere we need to with doctors and clinics. Their customer service is excellent when I call to confirm coverage. The make contact with the providers and they even follow up with you. Plans and cost fits our family and is affordable for us.

1 year ago

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Lilly Logan, UT

I was always intimidated to talk about insurance stuff because I didn’t know a whole lot. But when I had to go pick up some subscriptions. I called Cigna to see what was covered and what wasn’t. And the lady I talked to was an angle. She answered all my annoying questions and told me all the little details about what I could and couldn’t get.

2 years ago

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wayne sanders Valley Center, CA

we currently have Cigna as our health care provider. So far Ive found the coverage and service to be quite good. Although we haven't ever had to submit any major claims, When we have had claims submitted they have always been paid in a timely manor.

2 years ago

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Katie Kearney Vienna, VA

My company currently uses Cigna and I am pleasantly surprised how much I like them. I haven't had any concerns yet and have not needed to talk to customer service so I hope it stays that way! I'm bringing my husband over to my insurance plan in Jan 2019!

2 years ago

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Rashida Laumatia Saint George, UT

Had Cigna for a little while and loved it. Until it was hard to get a live person on the phone. Once a person was on the other line, the agent was very rude as if I was burdening her. Would hate to see a good company get a bad name for something that could be a simple fix.

3 years ago

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Kassidy Roberts CA

Cigna is great, but I know a lot of places don’t actually accept it

2 months ago

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Tamra Ashby Salt Lake City, UT

Cigna has been a fantastic insurance company. They cover the expenses you expect and are easy to get ahold of and .ask questions and get answers.

7 months ago

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Jessica Archuleta Riverton, UT

I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance

1 year ago

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Kevin Liu Sandy, UT

Cigna has good coverage options for my primary care doctors. Their web ports is very transparent and easy to use to find physicians and see what I’ve paid towards my deductible.

1 year ago

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Stephanie Orem, UT

We have had many health insurance providers and Cigna has been my all time favorite. It seemed like our bills were dramatically lower when we were with Cigna and our premiums were cheap. Look into Cigna if you haven't.

2 years ago

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Reese Pleasant Grove, UT

I have had Cigna in the past and they are easy to work with, don't have killer fees and have a great selection of doctors and care specialists available. They are easy to talk to and easy to learn about what I need to do.

2 years ago

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Emily Lindon, UT

We changed insurance to Cigna in the last year. Their customer service is helpful and will take the time to help you sort things out. It is also very simple to figure out which places you have coverage at.

2 years ago

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kerry perez Orem, UT

Im a current Cigna customer, i havent had to worry about anything with doctors, they've helped me with all the questions that i've had. Love the app, makes it easy to show ID!! highly recommend it

2 years ago

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Kaitlyn G. Vienna, VA

Their website is easy and intuitive to find the information you're looking for. EOBs are generated and available within a few days of your visit and notified electronically versus receiving in the mail.

2 years ago

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Irene Anders Folsom, CA

I love Cigna. They are very responsive and communicative, both online, prescriptions, and through phone calls from us to them. They have lots of choices of doctors in network wherever we have lived.

2 years ago

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Marci Schramm Salem, UT

We have Cigna insurance through Mountain View hospital in Payson. It is very good. All caregivers I have wanted to go to accept Cigna. It is a very good and dependable insurance.

2 years ago

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Spencer Schuenman Pleasant Grove, UT

We recently got Cigna and switched from another carrier and they have been great. I have spoken with them multiple times and they have been very helpful in sorting out networks and services.

3 years ago

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Steven Klaproth Phoenix, AZ

Great service and products and coverage. Love their products at a fair price with great customer service.

6 months ago

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Joan Hast

I had a hip replacement recently and used your insurance with my Medicare. So far I have not received a bill and have been pleased so far.

2 years ago

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Matthew J Collin Stephenville, TX

I love everything about this company they have made dealing with medical so easy. There has not been a single time I have had a bad time dealing with them.

1 year ago

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Tamra Orem, UT

I have had quite a few different insurances over the last 10 years and Cigna has by far been my favorite. I feel like their coverage has been much better.

2 years ago

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Lindsay Fritts San Diego, CA

I had cigna growing up and loved them. Was able to go to specialty doctors that I chose and loved. Had a low copay, if any, at most places. Didn't have to get referrals.

2 years ago

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Jwat1213 New Market, MD

We used to have them for health insurance. No complaints great coverage.

3 months ago

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Ryan Matheson Garden City, ID

Great company and great insurance! I love their customer service department. Very helpful!

7 months ago

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Linde DeFrancesco Lancaster, PA

Very pleased with their services. They keep my medical info up to date which gives me peace of mind.

1 year ago

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Beth Butler Hot Springs Village, AR

Cigna was the insurance I had through my workplace. It was really good insurance with very good coverage.

9 months ago

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Ginny Tremayne Logan, UT

We have been very pleased with Cigna insurance. We found it to cover more than our previous insurance did.

10 months ago

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Melinda Olson Goodyear, AZ

Cigna has provided us with great insurance and to see the doctors we like. Customer service helped us figure out issues we had.

1 year ago

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Nana Asiata Herriman, UT

I love Cigna! They're prompt when I need to call in for coverage information. Most offices we end up at are covered by Cigna which is great!

2 years ago

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Varduhi Rockville, MD

reliable, covers well, quality service and helpful

4 months ago

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Brandon Murfreesboro, TN

The benefits I have used have been great, I have not had any issues to date with this provider.

9 months ago

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Carmen Murphey Abilene, TX

I have Cigna through work. They provide great coverage and offer education and physical fit options, training.

1 year ago

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Newton Omotayo Houston, TX

The best ever health insurance I ever used till date. They took care of my claims even while I was in Ghana and Nigeria

1 year ago

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Madison Leonard Midlothian, VA

I love this insurance company, I can always go to the doctor without having to pay and arm and a leg to go

1 year ago

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Scotlynn Blair Phoenix, AZ

Cigna provides great service at a reasonable cost. I have always been happy with what they have covered.

2 years ago

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Jayde Walker Provo, UT

Cigna has been such a great insurance for our family! They are always willing to help whenever we call!

2 years ago

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Maggie Queen Creek, AZ

Great insurance! We have so many options for doctors and services. I really like their website as well

2 years ago

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